EXECUTIVE SUMMARY

AS we know that the banking industry in financial sector. There are lots of opportunity
and awareness to enhance the economy. There are many nationalized and private bank
are overcome with competition that who will the best service provider bank in present
era there cannot be any economic or financial activities without an institution like bank.
A well structured systematic banking system is needed for economic development bank
promotes capital building and investment the commercial bankers’ oldest institutions
having a widest network of branches. As my banking concern I got the experience in
kotak Mahindra bank ltd. As trainee for two month it is the part of my BBA curriculum I
work there as a sales executive under the supervision of team leader Nishant bhardwaj. I
aware with from whole industry and its product how to sale & what I have to take an
step for this as my work profile of opening a/c I enjoyed and done well lead for the
bank. As a researcher I got many experiences we feel very better at KOTAK Mahindra
Bank. But some drawbacks were there.
The product charges were higher as compare to national bank it gives challenge to
convince the customer. In this bank customers are limited because are limited because of
high charge for opening the a/c no. doubt bank has quick service have a net banking ,
mobile banking. ATM advantage rather it is more expensive for the middle class
customer actually .

As a researcher I got the main objective for the bank.

- To provide the KOTAK MAHINDRA BANK information regarding various
competitors.
- To help the researcher in knowing out the various kinds of services provided by
different banks.
- To study the various functioning’s of banks.
 - To study the different products of banks.
- To provide the researcher tough field knowledge.
- To judge the customer satisfaction regarding their banks.
As the banking system plays a crucial role in the development of the economy it was
felt that reforms were necessary to improve the efficiency of the system and to offer
better services at a reasonable price to customers.
The banking org also provide the quality service for their new product the customer has
come to occupy center stage and he is the beneficiary of the increasing competition.
“The vice-chairman of KOTAK Mahindra Bank Limited says "It is survival of the
fittest “
The industry as per the figures available is not less than Rs. 5500 cores only from the
foreign countries and think if talk of the entire funds from internal as well as external
sources. Marketing of the brand new product keeping in mind the risk and keeping
patience at the same time was a great experience. The product no doubt was available in
the market offered by all the banks in India. But convincing the Customers is not an easy
task. Also time taken by them was too much.

But after the completion it is great to pen down this report and regaining the entire
period of the project and the work done which has been shared with the reader in the
report. Thank you for giving time

Preface
People have always regarded as important in managing organizations their centrality has
become sharper in today’s changing world
In the gathering of facts and data for my project on current account I had adopted diff.
tech. & sampling methods as I discussed in this report
On making the project report on Kotak mahindra bank limited I had found & get
experience on diff. products, policies & customer relationship & various present and
future policies of bank.
About the report
This report is a mixture of survey that I had conducted over diff. people as well as study
of features, policies future planning, company profile, history of banking Etc. I have also
given recommendation & conclusion after my study and survey for that I had taken help
and guidance of my teachers my team leader, various websites books
I have tried my level best for this project report.
Content & structure
This report is divided into six chapters.
The first chapter discusses:- company profile, history of banking in India, list of board
of directors.
The second chapter discusses:- project profile & introduction to project
The third chapter discusses:- research Methodology
The fourth chapter discusses: - , Data analysis & Interpretation,
The fifth chapter discusses: - conclusion,
The six chapter discusses: - recommendation,
Annexure: - bibliography, questionnaire
The report is accompanied by an instructor’s manual, which offers general guideline
on making project report.

TABLE OF CONTENTS

CHAPTER I PAGE NO:

1. COMPANY PROFILE 8-21
(A) ABOUT KOTAK MAHINDRA GROUP
(B) HISTORY OF BANKING IN INDIA
 (C) LIST OF BOARD OF DIRECTORS
(D) OUR HISTORY
CHAPTER II
PROJECT PROFILE 22-42
(1) STUDY OF EXISTING AND POTENTIAL CUSTOMER
OF “KMBL”.
(2) INTRODUCTION TO PROJECT
(A)CREATING BANKING HISTORY
(B) COMPLETE BANKING
CHAPTER III
RESEARCH METHODOLOGY 43-51
CHAPTER IV DATA ANALYSIS & INTERPRETATION 55-57
METHODS OF DATA COLLECTION
CHAPTER V CONCLUSION 59
CHAPTER VI RECOMMENDATION 61
ANNEXURE
(A) BLIOGRAPHY 64
(B)QUESTIONNAIRES 65
 COMPANY PROFILE

ABOUT KOTAK MAHINDRA GROUP

KOTAK MAHINDRA GROUP KOTAK Mahindra is one of India's leading financial
institutions, offering complete financial solutions that encompass every sphere of life.
From commercial banking, to stock broking, to mutual funds, to life insurance, to
investment banking, the group caters to the financial needs of individuals and corporate.
The group has a net worth of around Rs.1, 700 cores and employs over 4,000 employees
in its various businesses. With a presence in 74 cities in India and offices in New York,
London, Dubai and Mauritius, it services a customer base of over 5, 00,000. KOTAK
Mahindra has international partnerships with Goldman Sachs (one of the world's largest
investment banks and brokerage firms), Ford Credit (one of the world's largest dedicated
automobile financiers) and Old Mutual (a large insurance, banking and asset
management conglomerate)
THE JOURNEY SO FAR...
KOTAK MAHINDRA is one of the leading financial companies of India giving a
complete solution to every investment planning, that's why we say "THINK
INVESTMENT.THINK KOTAK". From commercial banking, to stock broking, to
mutual funds, to life insurance, to investment banking, the group caters to the financial
needs of individuals and corporate. The group has a net worth of Rs. 2500 cores and
employs around 6700 employees across its various businesses and has a distribution
network of branches, franchisees, representative offices and satellite offices across 250
cities and towns in India and offices at New York, London, Dubai and Mauritius. The
group services over 1.6 million customer accounts.
KOTAK MAHINDRA has international partnerships with Goldman Sachs (one of the
world's largest investment banks and brokerage firms) and Old Mutual (a large
insurance, banking and asset management conglomerate).
KOTAK MAHINDRA is the flagship company of the group. The company was
incorporated in 1985 and over the year has spread its business into the entire spectrum of
financial services, either directly or trough subsidiaries. In February 2003 the company
was given the license to carry on banking business by the RBI. It was the first company
in India to covert into a bank.
The company has been in retail lending since mid 1990's, with the conversion into a
bank, retail liabilities, treasury and corporate banking segments have been added.

KEY GROUP COMPANIES AND THEIR BUSINESSES KOTAK

KOTAK MAHINDRA BANK LTD.: At KOTAK Mahindra Bank, we address the

entire spectrum of financial needs for individuals and corporates. From Retail Finance to
Equities, Mutual Funds to Life Insurance and Investment Banking, we have the
products, the experience, the experience, the infrastructure and most importantly the
commitment to deliver pragmatic, end-to-end solutions that really work.
Since the conversion of the finance ltd. to bank ltd., the company has shown its presence
in Retail Liabilities and Branch Banking, Wealth Management, NRI Services,
Commercial Vehicles, Personal loans, Home Loans, Agriculture Finance Division,
Corporate Banking, Treasury.

KOTAK INVESTMENT BANKING – India's premier investment bank is a joint

venture between KOTAK Mahindra Bank (holding 75%) and Goldman Sachs (holding
25%). It offers full service investment banking solutions to its clients by combining the
global reach and expertise of Goldman Sachs and the local knowledge and skills of
KOTAK Mahindra. KOTAK Investment
Banking identifies structures and executives diverse transactions and provides
innovative solutions to Corporates and Government enterprises. Transactions include
mergers, acquisitions, divestitures and issuance debt and equity.

KOTAK INSTITUTIONAL EQUITIES: focuses on catering to the institutional

clients including Foreign Institutional Investors (FIIs), banks, MFs and Insurance
companies. In addition to providing broking services in the Cash segment and Futures
and Options segment. KOTAK’s research analysts were ranked amongst top 3 analyst
teams in Institutional Investor's 2004 All Asia rankings.

KOTAK SECURITIES: One of the India's leading brokerage and securities

distribution house. It has been ranked the largest distributor of Initial Public offerings for
2003-2004 by Prime Database and has been awarded India's Best Equity House for 2004
by Finance Asia, Best Broker in India for 2005 by Finance Asia and Best Equities House
in India for 2005 by Euro money. These medals itself tells the story so far of this house.

KOTAK CAR FINANCE: During 2005, the KOTAK Mahindra group's ownership in
KOTAK Mahindra Prims Limited (KMPL) has gone up to 100% following the
acquisition of 40% stake held by Ford Credit International (FCI). The primary business
of KMPL is to finance passenger cars, multi-utility vehicles in India for retail customers
and working capital and infrastructure requirements of dealers. KMPL offers finance for
both new as well as used cars.

KOTAK LIFE INSURANCE: KOTAK Mahindra Old Mutual Life Insurance ltd
(KOTAK Life Insurance) is a joint venture between KOTAK Mahindra bank ltd.
(holding 74%) and OLD MUTUAL pl c.(holding 26%).Old Mutual pl c,
is a UK based financial services group with 158 years of experience in Insurance and
banking, is a Fortune 500 company listed on the London stock exchange in the FTSE
100 list of companies

KOTAK MUTUAL FUND: KOTAK Mahindra Asset Management Company Limited,

the asset manager for KOTAK Mutual Fund (KOTAK Mutual), was established in 1998.
Right from inception, KOTAK mutual has built a reputation as an innovator. Among
other things, it has given the Indian Mutual Fund industry its first Gilt Fund, first multi-
manager equity Fund of funds, first theme fund dedicated to globally competitive Indian
companies, first investor loyalty scheme and first SMS-based information service. In
both products and services, KOTAK Mutual has led the way for the rest of the industry.

CORPORATE IDENTITY
 THE GLOBAL INDIAN FINANCIAL SERVICES BRAND: Our customers will
enjoy the benefits of dealing with a global Indian brand that best understands their
needs and delivers customized pragmatic solutions across multiple platforms. We
will be a world-class Indian financial service group. Our technology and best
 practices will be benchmarked along international lines while our understanding
of customers will be uniquely Indian. We will be more than a repository of our
customers' saving. We, the group, will be a single window to every financial
service in a customer's universe.
 THE MOST PREFERRED EMPLOYER IN FINANCIAL SERVICES: A
culture of empowerment and a spirit of enterprise attracts bright minds with an
entrepreneurial streak to join us and stay with us. Working with a home-grown,
professional-managed company, which has partnerships with international leaders,
gives our people a perspective that is universal as well as unique.
 THE MOST TRUSTED FINANCIAL SERVICES COMPANY: We will create
an ethos of trust across all our constituents. Adhering to high standards of
compliance and corporate governance will be an integral part of building trust.
 VALUE CREATION: Value creation rather than size alone will be our business
driver
 HISTORY OF BANKING IN
INDIA

Without a sound and effective banking system in India it cannot have a healthy
economy. The banking system of India should not only be hassle free but it should be
able to meet new challenges posed by the technology and any other external and internal
factors. For the past three decades India's banking system has several outstanding
achievements to its credit. The most striking is its extensive reach. And this is not any
regular change but the result of the zest towards pace with quality products and services.
Indians are going global. This is one of the main reasons of India's growth process.
The government's regular policy for Indian bank since 1969 has paid rich dividends with
the nationalization of 14 major private banks of India. Not long ago, an account holder
had to wait for hours at the bank counters for getting a draft or for withdrawing his own
money. Today, he has a choice. Gone are days when the most efficient bank transferred
money from one branch to other of the day. Now it is as simple as instant messaging or
booking a movie ticket. As our current scenario we always speaks of "CUSTOMER AS A
KING", here he could bring bank on his desk either by Internet or by home
banking facilities by some of them.

The products and services of today's financial market is totally a mixture of the demand
and changing scenario. As technology, which began as an enabler-something that
allowed banks to service customers 24X7 – is now emerging as a strategic lever in
getting new customers and retaining them. It is not only creating a new competition tool
but also works with a lower per unit service cost which always proves to be big problem
for any company to implement a new strategy. Now a days bank are moving with home
banking facility; that is entire banking relation at your desk. Some are charging for this
and some are not. Although this cannot be counted as a product but these kinds of
services are the only way with which you can take an edge in this competitive market.

Banks going global -not only going into international business but also using latest
technological (analytical) tools at the back-end that enables them to slice and dice data
to improve services, spot new trends and acquire new
Customers.

The first bank in India, though conservative, was established in 1786. From 1786 till
today, the journey of Indian Banking system can be segregated into three distinct phases.
They can categorized as
 Early phase from 1786 to 1969 of Indian Banks.
 Nationalizations of Indian Banks and up to 1991 prior to Indian banking sector
reforms
 New phase of Indian Banking System with the advent of Indian Financial &
Banking Sector Reforms after 1991.
The General Bank of India was set up in the year 1786. The next came was Bank of
Hindustan and Bengal Bank. The East India Company established Bank of Bengal
(1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and
called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial
Bank of Indian was established which started as private shareholders banks, mostly
Europeans shareholders. In 1865, Allahabad Bank was established and first time
exclusively by Indian, Punjab National Bank Ltd. was set up in 1894 with headquarters
at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of
Baroda, Canara Bank, Indian Bank and Bank of Mysore were set up.

Reserve Bank of India came in 1935: At the time of freedom there were around 1100
banks, mostly small. To streamline the functioning and activities of commercial banks,
the Government of India came up with The Banking Companies Act, 1949 which was
later changed to Banking Regulation Act 1949 as per amending Act of 1965. Reserve
Bank of Indian was vested with extensive powers for the supervision of banking in India
as the Central Banking Authority. It in 1955 nationalized Imperial Bank of India with
extensive banking facilities on a large scale especially in rural and semi-urban areas. It
formed State Bank of India to act as the principal agent of RBI. In 1969 14 major
commercial banks in the country was nationalized. Second phase of nationalizing Indian
Banking Sector Reform was carried out in 1980 with seven more banks. This step
brought 80% of the banking segment in India under Government ownership.

After the liberalization of banking practices in 1991 by Indian government the country is
flooded with foreign banks and their ATM stations. Efforts are being put to give a
satisfactory service to customers. Phone banking and net banking is introduced. The
system now demands is TIME NOT MONEY. Reason is very simple being in
competition more or less the products provided by different public and private banks are
same, the only difference could be made by providing services which suits individual
customers, as each of them demands different things. The banks are providing a mix
kind of services or rather we could call them "flexible servicing system".

Electronic trading platforms have reduced the gap between completing the trade and its
final settlement thereby reducing the 'trade and settlement risk'. Globalization is another
big driver of change. In the past, foreign banks were the first choice of those operating
overseas. Indian banks have woken up to the possibilities here. They are setting up
representative offices, branches, even acquiring banks, overseas. With a pick-up in
exports and corporate India's rising forays overseas, the scope for stepping up banks' off-
shore activities is widening. They already compete with Citibank’s and HSBC global
banks that have a strong presence in India. But as the country integrates with the global
economy and as its share of global trade grows from less than 1% at present, our banks
will have to go global.

Source: 'India's world banks' by Amit Tandon, Outlook Business, pg. 30, May 5, 2006
And www.google.com, www.rbi.com

BANK AS A SECTOR IN INDIA:

Banking today is not only an account holding machinery rather it plays a role of the all-
rounder in the financial games. It's like era of those who are jack-of-all. The financial
sector has kept pace with the growing needs of corporate and other borrowers. Banks,
capital market participants and insurers have developed a wide range of introduced a
regime where interest rates are more in line with market forces.
The US$ 28 billion Indian financial sector has grown at around 15 percent and has
displayed stability for the last several years. The Indian banking system has large
geographic and financial coverage. Presently the total asset
size of the Indian banking sector is US$ 270 billion while the total deposits amount to
US$ 220 billion with a branch network exceeding 66,000 branches across the country.
Commercial banks cater to short and medium term financing requirements, national
level and state level financial institutions meet longer-term requirements.

Banking today has transformed into a technology intensive and customer friendly model
with a focus on convenience. The sector is set to witness the emergence of financial
supermarkets in the form of universal banks providing a suite of services from retail to
corporate banking and industrial lending to investment banking. The corporate banking
is no doubt the largest segment.

Insurance hand-in-hand with insurance as a third party product plays an important role
to increase the net worth of the market and also of its sister concerns. The size of
insurance market has great opportunities to new players with only 20 percent of the
country's insurable population currently insured.
Continued de-regulation and increased competition is expected to result in the Indian
competition is expected to result in the Indian financial services reach US$ 51 billion by
2007.

Source: www.finmin.nic.in
 ● Mr. K.M.GHERDA CHAIRMAN
● Mr. UDAY KOTAK CHAIRMAN

EXECUTIVE VICE CHAIRMAN AND MD

Mr. ANAND MAHINDRA EXECUTIVE DIRECTOR

Mr. CYRIL SHROFF EXECUTIVE DIRECTOR

Mr. PRADEEP KOTAK EXECUTIVE DIRECTOR

Dr. SHANKAR ACHARYA EXECUTIVE DIRECTOR

Mr. SHIVAJI DAM EXECUTIVE DIRECTOR

Mr. C. JAYARAM EXECUTIVE DIRECTOR

Mr. DIPAK GUPTA EXECUTIVE DIRECTOR

Ms. BINA CHANDARANA EXECUTIVE DIRECTOR

 OUR HISTORY

THE KOTAK MAHINDRA GROUP was born in 1985 as KOTAK Capital

Management Finance Limited. UDAY KOTAK, Sidney A.A.PINTO and KOTAK &
Company promoted this company. Industrialists HARISH MAHINDRA and ANAND
MAHINDRA took a stake in 1986, and that's when the company changed its name to
KOTAK Mahindra Finance Limited.
1987 KOTAK Mahindra Finance Limited starts the activity of Bill Discounting.
1988 KOTAK Mahindra Finance Limited enters the Lease and Hire Purchase
market
1990 The Auto Finance division is started
1991 The Investment Banking Division is started. Takes over FICOM, one of
India's
1992 Largest financial retail marketing networks
1992 Enters the Funds Syndication sector
1995 Brokerage and Distribution businesses incorporated into a separate
company-KOTAK Securities. Investment banking division incorporated
into a separate company – KOTAK Mahindra Capital Company
1996 The Auto Finance Business is hived off into a separate company – KOTAK
Mahindra Prime Limited (formerly know KOTAK Mahindra Primus
Limited). KOTAK Mahindra takes a significant stake in Ford Credit
KOTAK Mahindra Limited For financing Ford vehicles. The launch of
 Matrix Information Services Limited marks the Group's entry into
information distribution.

1997 Enters the mutual fund market with the launch of KOTAK Mahindra Asset
Management Company.
2000 KOTAK Mahindra ties up with Old Mutual plc. for the Life Insurance
business. KOTAK Securities launches its on-line broking site (now
www.kotaksecurities.com).Commencement of private equity activity
through setting up of KOTAK Mahindra Venture Capital Fund.
2001 Matrix sold to Friday Corporation, Launches Insurance Services.
2003 KOTAK Mahindra Finance Ltd. converts to a commercial bank-the first
Indian comp to do so.
2004 Launches India Growth Fund, a private equity fund.
2005 KOTAK Group realigns joint venture in Ford Credit; Buys KOTAK
Mahindra Prime (formerly known as KOTAK Mahindra Prime Limited)
and sells Ford credit KOTAK Mahindra. Launches a real estate fund.
2006 KOTAK Mahindra Bank has successfully raised approximately US$
100 million through issue of 15,000,000 Global Depository Shares (GDS).

Source: www.kotak.com, press release of Mumbai, April 23, 2006:

 Project profile

STUDY OF EXISTING AND POTENTIAL CUSTOMER FOR

(KMBL.)

WORK TILL NOW

  Visited various hospitals in Jaipur (For selling CASA ,Insurance)
 Working on database provided by bank.
 Handling customer query
 Understanding and working on software maintained by KOTAK Bank for
updating the database of various schemes.
 Comparative analysis of various products offered by KOTAK and other banks.

Visited various hospitals & working on database provided by bank:

Presentation in the hospitals for the doctors. Then collecting their name and fixed up
appointments, resolving their queries one on one regarding investment opportunities and
selling insurance schemes & current accounts.
These presentations were customized for the doctors who could explain the benefits of
opening the accounts with bank and specified investment advisory which bank uses to
provide for the doctors.

As this part of the project was aimed to understand the features of current account,
current accounts & various insurance schemes. Here we were given the experience to
convey what we have under stood about the product to the end customer. For this, we
have chosen doctors as a segment to be tapped for current accounts.

Why we have chosen doctors?

Banking is a long-term relationship between customers and the bankers. As the doctors
don’t have time and being a stable and upgrading profession we aim them as our
potential clients for future. We help them in their investment decisions.
Then we started on a directory of doctors and hospitals. I have prepared a presentation
on the salient features of the products. Bank has made a special offer of zero balance to
the doctors.

Now I have started telecalling and fixing up appointments with doctors. Initially one of
the executives accompanied on few calls.

Handling customer query

I used to handle customer query both at office as well as field I also spent some time at
reception at office where I had to answer their query regarding investment and other
things as well as while doing my field work I came across various query which I have
already explained above.

Understanding software maintained by KOTAK MAHINDRA BANK for updating

the database
of various schemes.

I have also got the knowledge of software and database maintained by KOTAK
MAHINDRA BANK which was helping us in answering customer query, knowing the
current status of different fund schemes and market condition of different schemes.

RETAIL BANKING

The essential function of a bank is to provide services related to the storing of value and
the extending credit. The evolution of banking dates back to the earliest writing, and
continues in the present where a bank is a financial institution that provides banking and
other financial services
Services typically offered by banks:
Although the type of services offered by a bank depends upon the type of bank and the
country, services provided usually include:

 Directly take deposits from the general public and issue checking and savings
accounts
 Lend out money to companies and individuals (see moneylender)
 Cash checks.
 Facilitate money transactions such as wire transfers and cashiers checks
 Issue credit cards, ATM, and debit cards.
 Online banking.
Storage of valuables, particularly in a safe deposit box

The Product Profile-An Overview

No matter what ones banking needs are, KOTAK Mahindra Bank has an offer that is just
right for him\her. KOTAK current accounts offer the customers attractive returns with
personalized banking services. It has a variety of products to offer, KOTAK Edge
current Account, KOTAK Pro Savings Account and KOTAK Ace current Account. Each
product is feature packed ranging from Free Home Banking, Free Access to 6000+
ATM, Free DDs, and Free At -Par Cheque Facility to Free Trading Account & Free
Demat Account. They can choose the one that suits them the most and meet their
requirements

PRODUCTS

There are three product feature of current account in Kotak Mahindra bank

1. KOTAK Edge Current Account

2. KOTAK Pro Current Account
3. KOTAK Ace Current Account

Features of current account

feature ace Pro edge

Account Average quarterly 250k 50k 25k
balance
Investment account Free Free Free
Additional saving 3 nova SA 1novaSA Nil
account
Remittances 2-way sweep 500k 100k 50k

DDs/Bc for branch Free Free Free unlimited

location unlimited unlimited
Non branch 300k 50k Charged
location
Collection Cheque collection free free 2.5/1000
for branch location
 Cheque collection 1/1000 2.5/1000 2.5/1000
for non branch
location
Services Home banking free free charged
At home service Free Free charged

Cards Debit card Free 1st Free 1st Free 1st

year year Year
Visa domestic Free Free Charged
Visa international Free Charged charged
Cheque book Cheque Free Free 2. per leaf
book
At-par Cheque Free Free 4 per leaf
book
Facilities Demat account Free Free Free
opening

KOTAK Pro Current Account : Features

KEY BENEFITS

-Attractive Returns
-Business Advantages
-Pro Privileges
-Convenience Banking

You need a well equipped bank account to keep pace with you in the ever changing
business scenario. We offer you the KOTAK Pro Current Account, armed with KOTAK
2-Way Sweep, as well as an entire gamut of Banking Privileges and ‘user-friendly’
Convenience Banking facilities. The feature rich KOTAK Pro Current Account is the
ideal way to make your money work harder.
ATTRACTIVE RETURNS

Your KOTAK Pro Current Account combines liquidity of a Current Account with the
attractive returns of a Term Deposit through the unique KOTAK 2-Way Sweep benefit.

BUSINESS ADVANTAGES

The host of features offered by your KOTAK Pro Current Account makes your money
work to your advantage while offering you a convenient Banking experience.

Free Demand Drafts

Avail Demand Drafts, free of cost, payable at any location in India, up to a per-specified
limit, just by calling our Phone Banking Service.

Free Home Banking

For ‘free’ Cheque pick-up, dial our Phone Banking Service and enjoy a time saving
banking experience from the comfort of your home or office. You can also use this
facility for cash/demand draft delivery and cash pick-up
Free At-par Cheque

KOTAK Mahindra Bank's At-par Cheque are treated as ‘local clearing’ Cheque across
select locations in the country. The At-par Cheque facility comes to you ‘free’ of charge.
You can now save DD making charges while enjoying the convenience of a Cheque!

Electronic Fund Transfer

Cheque
Transfer funds to third party accounts in other banks, without drawing a Demand Draft
or a Cheque, by using our Electronic Fund Transfer facility. With this facility you can
save on Demand Draft making/couriering charges and also transfer funds faster!
Free Cheque Collection

Outstation Cheque, drawn on any of our branch locations, would be collected ‘free of
charge’ for you. Only a nominal charge is levied for non-branch locations.

PRO PRIVILEGES

Your KOTAK Pro Current Account comes to you with special privileges that provide an
extra fillip to your Banking experience.

Family Savings Account

The KOTAK Pro Current package entitles you to a ‘free’ Family Savings Account. This
account comes to you with a host of benefits like KOTAK 2-Way Sweep, At-par Cheque
facility and other beneficial account features. So now even your dear ones can enjoy
banking the ‘KOTAK way’!

Free Cheque Pick-up:

You can now avail the added benefit of a ‘free’ Cheque pick-up service. This service
enables you to have Cheque and documents picked up from your doorstep on a daily
basis, helping you to devote more time and energy to your business.

Free At-Home Services

This service enables you to make your Utility Bill payments like electricity, telephone
and mobile phone bills and also get document delivery and pick-up from the bank. This
facility, brought to you by Les Concierge, is available at select cities, and comes to you
absolutely ‘free’!
CONVENIENCE BANKING

A host of Convenience Banking facilities allow you to access your account anytime,
anywhere.

Global Debit Card

Access your account ‘free of cost’ at all VISA ATM in India by using your Global Debit
Card. You can also use your Debit Card at all VISA affiliated merchant establishments
and ATM worldwide.

Phone Banking

Dial our 24 hour Toll Free number 1800 116022 (North India) OR 1800 226022 (Rest of
India) from anywhere and our customer Care Officer will help you instantly with your
banking requirements.

Net Banking
Log on to www.kotak.com to use our Net Banking facility. Take advantage of the
Internet to bank from home, office or anywhere in the world.

Mobile Banking & Alerts

Use this service to access your bank account anywhere, anytime! It is quick and easy,
available to you 24X7 and it’s absolutely free! You don’t have to pay any charge to avail
this service. You can use Mobile Banking to check account balance, last 3 transaction
details, issued Cheque status and request a Cheque book. You can use Alerts Service to
get Alerts by SMS and / or email whenever a debit or credit greater than Rs. 1 lakh
happens to your account, your balance falls below the Average Quarterly Balance or a
Standing Instruction set by you fails or you can even ask for your account balance to be
sent to you on a weekly basis
 KOTAK Ace Current Account : Features

KEY BENEFITS

-Attractive Returns
-Business Advantages
-Ace Privileges
-Convenience Banking

You need a well equipped bank account to keep pace with you in the ever changing
business scenario. We offer you the KOTAK Ace Current Account, armed with Business
benefits and exclusive Ace Privileges and an entire gamut of banking conveniences
especially designed for you. The feature rich KOTAK Ace Account is the ideal way to
make your money work harder.

ATTRACTIVE RETURNS

Your KOTAK Ace Current Account combines liquidity of a Current Account with the
attractive returns of a Term Deposit through the unique KOTAK 2-Way Sweep benefit.

BUSINESS ADVANTAGES

Your Ace account comes to you with a host of advantages that are aimed at meeting your
business requirements whilst providing you a superior Banking experience.
Free Demand Drafts
Avail Demand Drafts, free of cost, payable at any location in India, up to a per-specified
limit, just by calling our Phone Banking Service.

Free Cheque Collection

Outstation Cheque, drawn on any of our branch locations, would be collected ‘free of
charge’ for you. Only a nominal charge is levied for non-branch locations.

Free Home Banking

For ‘free’ cash/demand draft delivery, dial our Phone Banking Service and enjoy a time
saving banking experience from the comfort of your home or office. You can also use
this facility for free cash/Cheque pick-up

Free At-par Cheque

KOTAK Mahindra Bank's At-par Cheque are treated as ‘local clearing’ Cheque across
select locations in the country. The At-par Cheque facility comes to you ‘free’ of charge.
You can now save DD making charges while enjoying the convenience of a Cheque!

Free Electronic Fund Transfer

Transfer funds to third party accounts in other banks, without drawing a Demand Draft
or a Cheque, by using our Electronic Fund Transfer facility. With this facility you can
save on Demand Draft making/couriering charges and also transfer funds faster!

Overdraft against Term Deposit

As a KOTAK Ace Current Account holder, you can avail an overdraft against your Term
Deposit(s) held with KOTAK Mahindra Bank. This facility helps you to effectively
manage short-term cash flow problems and since your Term Deposit(s) remains intact,
you continue to earn interest on your investment.
ACE PRIVILEGES
Your Ace account has been designed with exclusive benefits that give an extra fillip to
your banking experience.

Free Demat Account

As an Ace Current customer, you can also open a Demat Account with us ‘free’ of
charge. What’s more, even your annual charges towards the Demat Account are waived
off!
Family Savings Accounts
Your Ace account allows you to now extend the KOTAK banking experience to three of
your family members. The Family Savings Accounts come to you with a host of benefits
like KOTAK 2-Way Sweep, At-par Cheque facility and other attractive features. So now
even your dear ones can enjoy banking the 'KOTAK way'!

Free Cheque Pick-up

You can now avail the added benefit of a ‘free’ Cheque pick-up service. This service
enables you to have Cheque and documents picked up from your door step on a daily
basis, helping you to devote more time and energy to your business.

Free Investment Account

Avail a ‘free’ Investment Account that provides you a consolidated view of all your
investments. The Investment Account statement gives a 'single window view' of your
Mutual Fund portfolio, listing the NAV of each scheme invested into, current
consolidated value of your portfolio, and realized/unrealized returns against each
investment made.
Personal Investment Advisor
To identify and analyze your specific investment requirements we provide you a
dedicated Personal Investment Advisor. This person alerts you to investment
opportunities, sends you regular updates and feedback on the performance of your
investments, helping you monitor, manage and grow your wealth in the ever fluid
investment climate.

CONVENIENCE BANKING

A host of Convenience Banking facilities allow you to access your account anytime,
anywhere.

Global Debit Card

Access your account free of cost at any VISA ATM in India or abroad using your Global
Debit Card. You can use your Debit Card at all VISA affiliated merchant establishments
worldwide. And furthermore you can gift free add-on cards to your family members too!

Phone Banking

Dial our 24 hour Toll Free number 1800 116022 (North India) OR 1800 226022 (Rest of
India) from anywhere and our customer Care Officer will help you instantly with your
banking requirements.

Net Banking

Just log on to www.kotak.com to access our Net Banking facility. Take advantage of the
Internet to bank from home, office or anywhere in the world at a time of your
convenience. Furthermore, usage of our Net Banking facility entitles you to free
Insurance Cover as per conditions specified.

At-Home Services

This service enables you to make you Utility Bill payments like electricity, telephone
and mobile phone bills and also documents pick-up/delivery to the bank, ‘free of cost’.
This facility brought to you by Les Concierges, is available at select cities.
Mobile Banking & Alerts

Use this service to access your bank account anywhere, anytime! It is quick and easy,
available to you 24X7 and it’s absolutely free! You don’t have to pay any charge to avail
this service. You can use Mobile Banking to check account balance, last 3 transaction
details, issued Cheque status and request a Cheque book. You can use Alerts Service to
get Alerts by SMS and / or email whenever a debit or credit above any amount specified
by you happens to your account, your balance falls below the Average Quarterly Balance
or a Standing Instruction set by you fails or you can even ask for your account balance
to be sent to you on a daily or a weekly basis.

KOTAK Edge Current Account : Features

KEY BENEFITS

-Attractive Returns
-Business Advantages
-Convenience Banking
You need a well equipped bank account to keep pace with you in all your business
endeavors. We offer you the KOTAK Edge Current Account, armed with KOTAK 2-
Way Sweep and our entire gamut of Banking Privileges, providing you that extra edge to
get ahead. The feature rich KOTAK Edge Current Account is the ideal way to make your
money work harder.

ATTRACTIVE RETURNS

Your KOTAK Edge Current Account combines liquidity of a Current Account with the
attractive returns of a Term Deposit through the unique KOTAK 2-Way Sweep benefit.

BUSINESS ADVANTAGES

Experience the ‘edge’ your business gains while banking through a host of advantages
offered by your KOTAK Edge Current account.

Free Demand Drafts

Avail Demand Drafts, free of cost, payable at any of our branch locations just by calling
our Phone Banking Service. What's more, there is no limit to the number/value of
Demand Drafts drawn by you at these locations.

Home Banking

For cash/Cheque pick-up or cash/demand draft delivery dial our Phone Banking Service
and enjoy a time saving banking experience from the comfort of your home or office.

At-par Cheque
KOTAK Mahindra Bank's At-par Cheque are treated as ‘local clearing’ Cheque across
select locations in the country. You can now save DD making charges while enjoying the
convenience of a Cheque!
Electronic Fund Transfer
Transfer funds to third party accounts in other banks, without drawing a Demand Draft
or a Cheque, by using our Electronic Fund Transfer facility. With this facility you can
save on Demand Draft making/couriering charges and also transfer funds faster!

Overdraft against Term Deposit

As a KOTAK Edge Current Account holder, you can avail an overdraft against your
Term Deposit(s) held with KOTAK Mahindra Bank. This facility helps you effectively
tackle short-term cash flow problems and since your Term Deposit(s) remains intact, you
continue to earn interest on your investment.

CONVENIENCE BANKING

A host of Convenience Banking facilities allow you to access your account anytime,
anywhere.

Global Debit Card

Access your account ‘free of cost’ at 1320+ KOTAK Mahindra Bank and HDFC Bank
ATM by using your VISA Global Debit Card. You can also use your Debit Card at all
VISA affiliated merchant establishments and ATM worldwide.

Phone Banking

Dial our 24 hour Toll Free number 1800 116022 (North India) OR 1800 226022 (Rest of
India) from anywhere and our customer Care Officer will help you instantly with your
banking requirements.
Net Banking

Log on to www.kotak.com to access to use our Net Banking facility. Take advantage of
the Internet to bank from home, office or anywhere in the world.

At-Home Services

This service enables you to make your Utility Bill payments like electricity, telephone
and mobile phone bills and also get document delivery and pick-up from the bank. This
facility, brought to you by Les Concierge, is available at select cities.

Mobile Banking & Alerts

Use this service to access your bank account anywhere, anytime! It is quick and easy,
available to you 24X7 and it’s absolutely free! You don’t have to pay any charge to avail
this service. You can use Mobile Banking to check account balance, last 3 transaction
details, issued Cheque status and request a Cheque book. You can use Alerts Service to
get Alerts by SMS and / or email whenever your balance falls below the Average
Quarterly Balance or a Standing Instruction set by you fails
INTRODUCTION TO KOTAK
MAHINDRA BANK
CREATING BANKING HISTORY

Established in 1984, The KOTAK Mahindra group has long been one of India's most
reputed financial organizations. In February 2003, KOTAK Mahindra Finance ltd. the
group's Flagship Company was given the license to carry on banking business by the
Reserve Bank of India (RBI). The approval creates banking history since KOTAK
Mahindra Finance Ltd. is the first company in India to convert to a bank.

THE COMPLETE BANK

A license authorizing the bank to carry on banking business has been obtained from the
Reserve Bank of India in terms of Section 22 if the Banking Regulation Act, 1949. It
must be distinctly understood, however, that in issuing the license, the RBI does not
undertake any responsibility for the financial soundness of the bank or the correctness of
any of the statements made or opinion expressed in this connection.
 Retail Liabilities and Branch Banking: KOTAK Mahindra Bank addresses the
entire spectrum of financial needs for Individuals and Corporate. From savings
account and current account, to Demat. Services, Investment advisory Services,
Trade Finance Services, and Forex and Remittances, the bank offers it all What
differentiates and the Bank's regular Banking Products are our value-added
benefits like free access at any VISA ATM, Free cash delivery at home, 2-way
sweep into Mutual Fund & Term Deposit, Utility Bill payment Facility etc. The
 bank introduced online shopping during the current year. As on September 30,
2005, KOTAK Mahindra Bank had 44 full fledged bank branches across 25
locations in India.

 Wealth Management: As a Bank, our objective is to help individual manage and

better their Net Worth. Hence, within KOTAK Mahindra
 Bank; there is a team of dedicated professionals catering to the financial
requirements of High Net-Worth Individuals.
 NRI Services: KOTAK Mahindra Bank offers a diverse set of NRI-centric
financial solutions including, investments, remittances, and deposits. KOTAK
stands with a difference like at-par Cheque, at home services (utility bill payment
and document delivery in India), free Inward funds, and mandate facility etc.
including NRE/NRO/FCNR accounts.
 Commercial Vehicles: This constitutes the largest part of the Bank's retail
advances portfolio servicing a customer base of more than 50,000 customers. The
division is moving towards becoming one stop shop for all financing needs of
transporters.
 Personal loans: KOTAK quick easy loans are called "Jaldi loans" which range
from Rs. 50000 to Rs. 1000000 for salaried individuals, self-employed
professional and businessmen. Jaldi Loans offers minimal paperwork and quick
processing within 24 working hours for salaried and 72 working hours for self
employed professionals and business) with repayment tenures ranging from 12 to
48 months.
 Home Loans: The Bank now has a complete suite of home finance products which
includes home loans, loan against property, balance transfer loans and loans for
commercial property
 Agriculture Finance Division: The agriculture finance division was launched in
August 2003, to meet the priority sector advance target of the Bank. The products
 launched for cropping activities & to high tech and scientific agricultural projects,
working capital loans to dealers and distributors of agricultural inputs and loans to
farmers engaged in
providing inputs under contract farming arrangements to large corporate & direct
loans to Corporate engaged in agriculture activities.
 Corporate Banking: KOTAK Mahindra Bank offers Corporate and institutions
a complete range of client-centric banking solutions and services. These include
working capital, trade services, transaction banking, money market and foreign
exchange services and cash management
 Treasury: The current liberal policy in conducting the Forex business opened up a
gateway to new opportunities to both individuals and corporate clients
 RESEARCH
METHODOLOGY
 FACTS AND FINDING

- CUSTOMER HAVING CURRENT ACCOUNT.

Banks HDFC ICIC CITI IDB KOTAK GOVT.BANK

I I
% 23 16 5 13 12 31

INTERPRETATION:- in the survey of 300 people I found that 23 % of them having

current acc. In hdfc. , 16 % ,5% ,13%,12% or 31% have their accounts in icici, citi, idbi,
Kotak, and govt .bank respectively
- CUSTOMER RESPONSE IN FREE DEMAND DRAFT FACILITY.

(A) YES (B) NO

no
25%

yes
75%

INTERPRETATION:- in the survey of 300 people I found that 75

% got free D.D. facility and 25 % of them do not avail this facility.
 -CUSTOMER INTREST IN CURRENT ACCOUNT.

(A) YES 15 (B) NO 85

Interest on current account

INTERPRETATION:- in the survey of 300 people I found that 15 % of people were

interested in c. acc. And rests 85 % were not interested in opening current acc.
 - BANK PROVIDES YOU FREE AT-PAR-CHEQUE BOOK.

Category’s No of people
Yes 30( kotak, HSBCs stan.c)
No 70 (icici, hdfc, govt bank)

Free at-par cheque book

INTERPRETATION:- in the survey of 300 people I found that 85% people get free at-
par cheque book and these were customer of Kotak, hsbc, stanc.
And rest 15 % don’t get free at-par cheque book and these were customer of icici, hdfc,
govt bank.
 - BANK PROVIDE FREE HOME BANKING.

Ba Kotak hdfc Govt stan.c HSB ICICI

nk banks C
s
29 14 4 22 25 6
%

INTERPRETATION:- in the survey of 300 people I found that 29%, 25% 22%, 14%,
6% 4% respectively were using free home banking of bank Kotak, hsbc, stan.c., hsfc.
Icici. Govt banks. Respectively.
 - COMSUMER RESPONSE IN FRE DEMAT ACCOUNT.

CATEGORIES NO OF RESPOND
YES 85
NO 20
May be 15

INTERPRETATION:- in the survey of 300 people I found that 55% people were
having demat account. And 20 % of people don’t have demat account, and 25 % people
don’t know or if know not willing to invest,
- BANK PROVIDING YOU A FREE ELECTRONIC FUND TRANSFER.

CATEGORIES NO OF RESPOND
YES 60
NO 40

INTERPRETATION:- in the survey of 300 people I found that 60 % of them were

availing free electronic fund transfer services, 40 % were un aware of this service.
 - CONSUMER RESPONSE IN GLOBAL VISA DEBIT CARD.
-
CATEGORIES NO OF RESPOND
YES 61
NO 22
May be 17

INTERPRETATION:- in the survey of 300 people I found that61 % have got free
global visa debit card from their respective banks, 22 % were unaware of this service,
and 17% were partially used this service.
DATA ANNALYSIS &
INTERPRETATION

METHODS OF DATA COLLECTION

The target was very simple we have to first target NON GOVERNMENT
ORGANIZATIONS, for the product of our bank. the retail marketing of current account
in Jaipur city
1. For this we had no data initially so we straight away took help of Yellow Pages of
the Jaipur City.
2. Secondly we collected FCRA list from the Internet for Rajasthan.
3. We also collected list of educational institute of Jaipur City.

Getting the list of people who use current account from yellow pages and Internet was
not enough for us. So we go for the survey of 300 peoples by direct marketing. To know
about their attitude towards your banking.

OPERATION ON THE LIST COLLECTED:

The list collected was not small. We divided the whole list area wise first and then
started work on it. We stepped forward as follows:

1]> Phone Calling: This was the first step which we followed the reason is very
simple the KOTAK Mahindra Bank has built a working culture for which it is famous
and that is way of doing business.
We proposed our product on phone with also knowing their present banking
relationships. This not only gave the customers the initial knowledge of our bank and
product but also we got to know what presently he is doing, what is there banking size
(yearly turnover), are they satisfied with the present banking relationship with other
banks
Phone calls proved to very important for us because taking appointment is like first
impression of the bank in front of the customers. Since we know that is this the best
media to know whether the person is willing to be a part of our banking.
The important thing we kept in mind were two things firstly try to find what a customer
is most focused on like only on Demand Draft from the bank or Cash Transaction,
Interest etc. and secondly time spent on each call.
We more tried on taking appointment by explaining our planning very precisely and
correctly. Because talking face to face means you can convince him more easily rather
than on phone

One more we had to keep in mind was over tone and language. As there were people
who were more comfortable talking with us in regional language and some were more
comfortable in English. So we had to be prepared in Hindi, English and Rajasthani.

Phone calls also made us to cross check the exact address of the customers. We made a
flexible arrangement to work area wise so to save cost of conveyance.

2] Post Appointment Preparations: After taking the

appointment we did our home work that is we prepared a written proposal for the
customer on the letter-head of the KOTAK Mahindra Bank so that if we enter the office
of customer we are fully prepared to take any responsibility of the bank. The written
proposal made the difference between KOTAK Mahindra Bank Ltd. and other banks.
The written proposal was a letter containing an introduction to KOTAK Mahindra Bank
an attached with all the facilities offered by the bank to the associations.

3] Group appointment and Personal appointment: The customers no doubt work on

the principle of no profit no loss. But for the bank they are high league customer as the
fund once deposited in the bank are withdrawn back in small amount so a large
contribution in the calculation of the net worth of the bank. So it is best to talk each of
them separately and convince them individually.
Also the need of each customer is different and needs to be treated separately. So
the whole process of the selling our product could be explained by the following steps.
 {A} Prospecting and Qualifying: That we had discussed that by collecting the
data of prospective customers. The prospective customer can also be known by the
current appointments.
{B} Reproach: The step taken by us to know more and more about the
CUSTOMER and its working. Its current bank account and its goodwill by the general
inquiry or general information. If not collected then also it doesn't make much
difference.

{C} Approach: The step in the selling process in which the salesperson meets and
greets the buyer to get the relationship off of a good start. The starting lines of our
meeting were like "we believe what ever we will discuss in the next few minutes will
definitely beneficial for your organization". This kind of practical application is only
possible by very good marketing person. It's like positive sign in the starting of the
meetings.

{D} Presentation and Demonstration: The step in the selling process in which the
salesperson tells the product "story" to the buyer, showing how the product will make or
save the money for the buyer. Since our product was more like that only that is how the
associations can save money using our banking relationship.

{E} Handling Objections: The step in the selling process in which the salesperson seeks
out, clarifies and overcomes customer objections to buying. The directors and secretaries
of the associations asked lot of queries about the profitability of our product and we had
to answer and we had to answer them and convince them at each and every step of the
meeting and satisfy them.
{F} Closing: The last but one, step was asking the order from the customer. Here the
decision taker is not a single person but the whole boards of directors of the society so it
is not true to say that we got an account of the association at the first meeting.

{G} Follow-up: The last step was usually taking time for the follow-up for the next
meeting and it was not less than a week for any CUSTOMER and that was due to their
next meeting. We use to collect the order in the next meeting or so on.

Source: As taken help from Principles of Marketing, by Philip Kotler and Gary
Armstrong, Pg. 496-497, personal selling and sales management.

PRINCIPLES OF CUSTOMER SERVICE IN BANKING

1. By satisfying our clients' business objectives we satisfy our own professional and
personal objectives.
2. We want our client to regard KOTAK Mahindra as their partner of choice time
after time.
3. Satisfied clients become engaged clients when they trust us, bond us and feel a
sense of pride through an association with us
4. Engaged client forms a significant source of continued and imp0roved growth.
5. An engaged client will actively sell our bank products and services to other.
6. Engaged client forms a sound commercial foundation for KOTAK Mahindra
Bank's future.
7. Don't keep good news to yourself – inform the client of every success.
8. Give every client a reason to trust KOTAK Mahindra Bank.
9. Do what you said; you could do it, when you said you would do it.
10. Ensure all communications are reviewed before being set to a client.
11. Promote the advantage of KOTAK Mahindra Bank and our products and not just
the features.
12. Understand how the world looks from the clients' point of view.

CONCLUSION:
During the survey I found the reason of one important question that why customers are
changing their opening current account behavior towards. KOTAK MAHINDRA BANK
LTD. Some important interpretations are here.
1. The first preference is opening a current / saving account in govt bank because
mostly consumers don’t want to believe and waste their time in private bank.
2. The factor which is paying the leading role, facilities and services .mostly
consumers are govt. employees so they are more conscious towards facilities and
services.
3. When people go to opening a current account, the brand name of kotak is not on
their minds.
4. People remember the advertisements of ICICI and
5. HDFC more than the ‘KOTAK’ because of advertisement of ICICI and HDFC. In
market ICICI and HDFC have big hoarding and showrooms, which attract the
consumer and leave image on consumer’s mind.
6. KOTAK advertisements are not coming frequently on both media electronic and
print media in comparison to other brands. So people easily forget this brand
because consumer’s memories are very short.

RECOMMENDATIONS:
Here come the gems in hand. Whatever we do; we must do to learn and implement. The
following important things should be kept in mind for the future.
1. Bank should more concentrate on its advertisement, since for making a big brand
name and sell your product people must remember the name of KOTAK as a
Bank.
2. Bank should provide some short term loan facilities to Customers if they want to
attain more customers as giving them helping hand will help us.
3. In future who so ever is added in the team for the banking relation with the
TASC, the bank must train him/her fully with the law controlling non
government organizations.
4. KOTAK must increase its number of branches in the state.
5. KOTAK must form a committee who should be responsible to cross check the
working of its customers.
BIBLIOGRAPHY
BOOKS:

1. PRINCIPLES OF MARKETING, BY PHILIP KOTLER

2. GARY ARMSTRONG, PRENTICE-HALL OF INDIA, 2000.
3. PERSONAL FINANCIAL PLANNING (ICFAI)
4. PORTFOLIO MANAGEMENT (ICFAI)
5. SAXENA, RAJAN, MARKETING MANAGEMENT
6. KOTLER, PHILIP,ARMSTRONG MANAGEMENT PRINCIPLES OF
MARKETING
MAGAZINES:
1. BUSINESS AND ECONOMY,
2. OUTLOOK: BUSINESS PROMOTER,
3. BUSINESS WORLD,

WEBSITES:
1. WWW.KOTAK.COM
2. WWW.RBI.COM
3. WWW.GOOGLE.COM
4. WWW.FINMIN.NIC.IN
5. WWW.HINDUUONNET.COM
6. WWW.WESTGODAVARI.ORG
SURVERY FOR THE CUSTOMER SATISFACTION RELATED TO BANKING RELATIONSHIP0
IN JAIPUR

1. IN WHICH BANK DO YOU HAVE YOUR CURRENT ACCOUNT?

(A) HDFC (B) CITI (C) ICICI
(D) IDBI (E) GOVT. BANK

2. DOES YOUR BANK PROVIDE YOU A FREE DEMAND DRAFT FACILITY?

IF YES UPTO
(A) 0-5 (B) 5-10 (C) 10-20 (D) 20-30

3. DO YOU GET INTREST IN YOUR CURRENT ACCOUNT?

(A) YES (B) NO

4. IS YOUR BANK PROVIDING YOU FREE AT-PAR CHEQUES BOOK?

(A) YES (B) NO
IF NO WHAT CHARGES YOU PAY FOR LEAF?

5. DOES YOUR BANK PROVIDE YOU FREE HOME BANKING?

(A) YES (B) NO

6. ARE YOU SATISFIED WITH THE HOME BANKING FACILITY?

(A) YES (B) NO

7. WHAT CHARGES DO YOU PAY YEARLY OR MONTHLY?

8. IS YOUR BANK PROVIDING YOU FREE DEMAT ACCOUNT?

(A) YES (B) NO

9. IS YOUR BANK PROVIDING YOU FREE ELECTRONIC FUND TRANSFER?

(A) YES (B) NO

10. DOES YOUR BANK PROVIDE YOU GLOBEL VISA DEBIT CARD?
(A) YES (B) NO

PERSON NAME DATE

CONTACT DETAIL SUBMITTED BY: AMAR SINGH

THANK YOU